Welcome to the Kolles Agency! Our team is here to assist in any way we can! Let's make this year exceptional together!

A little about me: My name is Shawna Kolles, your dedicated local Otsego State Farm Agent, committed to serving Otsego and its surrounding communities with personalized and reliable insurance options. With over fifteen years of experience, I bring a wealth of knowledge and a lifelong dedication to State Farm values. My bachelor’s degree in Business Management further empowers me to meet the diverse insurance needs of our community and lead an exceptional team.

My husband Glen and I have cherished 31 wonderful years of marriage, raising four amazing children on our farm in Otsego, Minnesota. We thrive on hard work, big family gatherings, and the joy of nurturing lasting friendships.

Fall Into Savings! 🍂🚗🏡

As Minnesota’s leaves begin to change and cooler days settle in, fall is the perfect time to review and update your insurance coverage. Whether you’re enjoying a scenic drive, tackling fall home projects, closing up the cabin, or preparing for the colder months ahead, make sure your protection keeps up with your lifestyle and everything you’ve worked hard for.

If it’s been a while since you last checked your pricing, remember that options and discounts may have changed. Now’s an ideal moment to get an updated, personalized quote and make sure you’re getting the right coverage at a competitive cost.

Warm regards,

Shawna Kolles

Frequently Asked Questions (FAQs):

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Connect with Shawna for insurance guidance in Otsego.

Q: How fast can I get car insurance?

A: Car insurance coverage can often start the same day, depending on your situation. In Otsego, you can count on Shawna for personalized service.

Q: What coverage is required when leasing a car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Shawna is here to help your Otsego household feel covered.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. Looking for coverage? Talk with Shawna about your options in Otsego.

Q: Replacement cost vs. actual cash value — what's the difference?

A: This difference can become especially important when you have a claim.

Replacement cost generally looks at the cost to repair or replace damaged property with comparable new property, subject to your policy terms and limits.

Actual cash value generally considers, age, condition and other factors may reduce the amount considered for the damaged property.

Insurance policies and losses are different, so don't wait until you have a claim to understand your coverage. Contact our office and we'll help you review what your policy provides

Q: How would you explain renters insurance?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. For personalized coverage in Otsego, MN, reach out to Shawna.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Shawna is proud to serve the Otsego community.